Caraballo & Associates

Do You Have Too Much on Your Plate Or Your Mind?

Does it seem that there are not enough hours in the day for you to do everything you want to get done? Do you ever reach the end of your day feeling exhausted and while you are reviewing your day, you find out that you got almost nothing done? How can this happen? You are [...]

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My Secret Weapon for Credit Repair (At Least One of Them)

For many years one of my biggest niches in the mortgage industry was helping people who did not qualify for a home loan improve their credit standing in order to become approve-able. It took me some years and a lot of studying to get to the point that I could look at a credit report, [...]

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The Biggest Problems with Credit Counseling Agencies (Part 3)

The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]

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The Biggest Problems with Credit Counseling Agencies (Part 2)

Now that we know what these programs are, let’s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]

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Should I Accept My Loan Modification…Part 5

So after I spoke to the HUD Counselor, I waited a couple of weeks and then called the bank for a complete update. (I believe I have done all that has been asked of me and I think it is time for SOME kind of answer, or at least an indication of one). I called [...]

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Forget Your Why…Begin With Your Purpose!

I recently read a post by a tribe member friend of mine, Mr. Paul Miller. The post was essentially asking How big You “why” was. Which you will undoubtedly run into if you study personal development for any length of time. It is a very important part of becoming a high-producing, high-achieving individual. His post, [...]

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The Importance of Blogging in Today’s Society

I recently had an experience that convinced me that what I am doing here, with my blog and my message could potentially be very important. I attended a training/seminar that had to do with customer service in the field of employment services. It was an interesting, day-long seminar lead by a woman who had obviously [...]

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My Official Apology to Stephen Covey

This is my official apology to Stephen R. Covey. The Best selling author of The 7 Habits of Highly Effective People I am currently reading this book because it is required reading in a psychology class I am taking. When I first found out that this was the book that I had to read for [...]

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